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UPI will work slightly differently from August 1: Here’s what’s changing

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SSV said:

UPI might not be the same starting August 1. Here is everything you need to know.

Starting August 1, your daily UPI habits on apps like Google Pay and PhonePe may feel a little different. NPCI (National Payments Corporation of India) is rolling out a set of backend rule changes to streamline how UPI handles balance checks, autopay requests, payment failures, and linked account verifications. These aren't earth-shattering updates, but if you're someone who uses UPI multiple times a day (which, let’s face it, is most of us), you’ll want to know what’s new

New time slots for UPI autopay requests
If you’ve set up automatic payments like OTT subscriptions, rent agreements, or SIPs, those UPI Autopay requests will now be timed more precisely. From August 1, UPI apps will be required to send these requests between 12 AM and 7 AM. The idea is to minimize server congestion and delays during peak hours. You’ll still receive notifications, but expect them early in the morning.

Balance checks now have a limit
One of the silent data-heavy tasks on UPI is balance checking, especially with biometric authentication like Face ID or fingerprint. To prevent overload, there will now be a limit on how many times you can check your balance in a day. NPCI hasn’t disclosed the exact cap yet, but it’s designed to stop abuse of the system, especially from bots or high-frequency checkers.

Faster status updates on failed transactions
We've all dealt with UPI payments stuck in limbo—money debited, but the other side hasn’t received it. NPCI is addressing this by tightening timelines. Starting next month, UPI apps will have to show the actual payment status (success/fail) within seconds, instead of letting it remain “Processing” or “Pending” for several minutes. That means less uncertainty and fewer screenshots sent to confused vendors.

Linked account verification will be more secure
UPI apps will now follow a stricter verification process when you try to link a new bank account. This may involve additional checks from the bank’s end to confirm the account belongs to you. It adds a layer of friction, yes, but it also reduces the risk of accidental or fraudulent linking.

These updates are subtle but helpful. They’re mostly aimed at making UPI smoother, safer, and less annoying during rush hours or payment hiccups. You don’t need to change how you use UPI, but from August 1, you’ll notice the system working a little smarter.
Click to expand...
I am waiting for the option of payment confirmation via biometrics (face id/fingerprint), which would be less susceptible to security vulnerabilities, since biometrics are stored on the device rather than the server. Furthermore, the chances of people around you seeing your security pins would be eliminated too.
 
ashwinikumar900 said:
I am waiting for the option of payment confirmation via biometrics (face id/fingerprint), which would be less susceptible to security vulnerabilities, since biometrics are stored on the device rather than the server. Furthermore, the chances of people around you seeing your security pins would be eliminated too.
Click to expand...
It's provided by few banks (in-house apps), obviously restricted to thier SAs only. Guess who? 😅

Yeah, but with the customisation power (to set txn limit & no.) on account level (both for SAs & CC), using bank's own mobile banking/ internet banking set by 2FA/3FA & its integration with TPAPs, which can be guided by NPCI with a SOP.
 
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Best thing is that the transaction is confirmed or failed will show instantly earlier they uses to show processing till two days and then process payment. Many have lost money in this they double pay the merchant or person and then the receiver deny to refund especially if you are on vacation or trip where you don't know who the merchant is.
 
SSV said:

UPI might not be the same starting August 1. Here is everything you need to know.

Starting August 1, your daily UPI habits on apps like Google Pay and PhonePe may feel a little different. NPCI (National Payments Corporation of India) is rolling out a set of backend rule changes to streamline how UPI handles balance checks, autopay requests, payment failures, and linked account verifications. These aren't earth-shattering updates, but if you're someone who uses UPI multiple times a day (which, let’s face it, is most of us), you’ll want to know what’s new

New time slots for UPI autopay requests
If you’ve set up automatic payments like OTT subscriptions, rent agreements, or SIPs, those UPI Autopay requests will now be timed more precisely. From August 1, UPI apps will be required to send these requests between 12 AM and 7 AM. The idea is to minimize server congestion and delays during peak hours. You’ll still receive notifications, but expect them early in the morning.

Balance checks now have a limit
One of the silent data-heavy tasks on UPI is balance checking, especially with biometric authentication like Face ID or fingerprint. To prevent overload, there will now be a limit on how many times you can check your balance in a day. NPCI hasn’t disclosed the exact cap yet, but it’s designed to stop abuse of the system, especially from bots or high-frequency checkers.

Faster status updates on failed transactions
We've all dealt with UPI payments stuck in limbo—money debited, but the other side hasn’t received it. NPCI is addressing this by tightening timelines. Starting next month, UPI apps will have to show the actual payment status (success/fail) within seconds, instead of letting it remain “Processing” or “Pending” for several minutes. That means less uncertainty and fewer screenshots sent to confused vendors.

Linked account verification will be more secure
UPI apps will now follow a stricter verification process when you try to link a new bank account. This may involve additional checks from the bank’s end to confirm the account belongs to you. It adds a layer of friction, yes, but it also reduces the risk of accidental or fraudulent linking.

These updates are subtle but helpful. They’re mostly aimed at making UPI smoother, safer, and less annoying during rush hours or payment hiccups. You don’t need to change how you use UPI, but from August 1, you’ll notice the system working a little smarter.
Click to expand...
I am a bit worried on the autopay requests..

Because for applying to IPOs, the auyopay requests come during day. But it mentioned autopay in non working hours.
 
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